| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | — | $29K | $29K | 2.20% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON GA - NORTHWEST | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HCC LIFE INSURANCE COMPANY | — | $19K | $19K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 NONE | Non-monetary compensation; Claims processing; Contract Administrator; Float revenue; Participant communication; Other services; Direct payment from the plan Service code 12 | — | $731K |
| TABEN GROUP EIN 48-0770908 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $46K |
| JP MORGAN EIN 13-3200244 NONE | Direct payment from the plan; Other fees Service code 50 | — | $34K |
| LOCKTON COMPANIES EIN 20-3354970 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $32K |
| MAYER HOFFMAN MCCANN EIN 43-1947695 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $27K |
| WILLIS TOWERS WATSON EIN 53-0181291 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $23K |
| GUIDESPARK, INC EIN 26-2229814 NONE | Direct payment from the plan; Participant loan processing Service code 37 | — | $21K |
| BACKSTITCH INC EIN 46-0850010 NONE | Direct payment from the plan; Participant communication Service code 38 | — | $17K |
| SPENCER FANE BRITT & BROWNE EIN 44-0561981 NONE | Legal; Direct payment from the plan Service code 29 | — | $14K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,048 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,051 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 732 | $214K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,354 | $2.1M |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 1,161 | $385K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,289 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,354 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.